Short answer
Distinguish confirmed facts, working hypotheses and unknowns with appropriate advisers. Avoid claiming a cause, affected population or insurance outcome before evidence supports it.
An illustrative example
A team suspects exposure but has not established its scope.
This is a hypothetical situation, not a real customer outcome or a coverage determination.
Three facts to prepare
- Confirmed facts
- Unknown scope
- Next investigation step
Use a brief, accurate summary. Separate confirmed facts from assumptions; keep passwords, identity numbers, private customer records and confidential documents out of an initial marketplace request.
A question to bring to the right professional
What information is needed before a coverage discussion can proceed?
Use your incident process and applicable insurer or professional contacts for time-sensitive matters. Record confirmed facts, allegations and unknowns separately. Do not use a LunarQuote profile as claim notice, make a promised coverage determination or publish sensitive evidence while seeking help.
Sources and scope
- NAIC: cybersecurity and insurance
General commercial cyber context; the NAIC describes cyber policies as customized. This source does not decide coverage for an AI scenario.
- Travelers: technology errors and omissions risk examples
Insurer-authored context on technology service allegations and differences in policy wording. Product descriptions apply to that source; they are not LunarQuote offers or evidence of a partnership.
Sources supply the stated background, not a determination about the illustrative case. The example, checklist and discussion prompt are LunarQuote educational material. Source links checked October 5, 2026.
Your next step
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